Can You Reach Financial Independence on a Median Income?

Mindy and I are so grateful for the following sponsors who make BiggerPockets money possible. Monarch is the all in one personal finance tool designed to make your life easier. It brings your entire financial life, including budgeting, accounts, and investments, your net worth, and future planning together in one dashboard on your laptop or on your phone. Start your new year on the right foot financially and get 50% off your Monarch subscription with the code pockets. With automated weekly money recaps and tracking progress toward future financial goals, it's easier than ever to stay financially fit in the short and long term. Monarch helps me be proactive instead of just reactive with my finances. Its AI tools are built on Monarch intelligence and get it right most of the time when auto categorizing most of my expenses. Monarch is the all in one tool that makes proactive money management simple all year long. Use the code pockets at monarch.com. That's 50% off your first year at monarch.com with the code pockets. When I evaluate debt funds, I look for things like first position loans, personal guarantees, deep experience by the fund operator, low fund leverage, fast liquidity, and consistent returns. These are some of the reasons why I'm excited to partner with Pine Financial Group. Their fund six offers investors exposure to real estate credit largely for construction and rehab, largely here in Colorado, with loans originated by an experienced originator with over $1,000,000,000 in origination volume. 75% of their borrowers have been repeat customers over seventeen years. They offer investors an 8% preferred return paid monthly and a seventy thirty l p g p split of everything over 10% paid annually. The lockup period is nine months with liquidity available within ninety days after that nine month commitment. The fund is open to accredited investors only. The fund's minimum investment is typically a $100,000, The Pine Financial is able to reduce that minimum for some investors and have agreed to do so for BiggerPockets money listeners to a minimum of $25,000. Full disclosure, I am personally invested in this fund through my self directed IRA, and, of course, Pine Financial is sponsoring this message and our podcast. If you'd like to invest or check out their prospectus, go to biggerpocketsmoney.com/pine today. That's biggerpocketsmoney.com/pine. Please note that returns are not guaranteed and may vary based on fund performance. Firestone Complete Auto Care's epic savings event is the sign you need to stop putting off your car's maintenance, and you can save up to $100 on tires and services while you're at it. Don't wait. Call Firestone Complete Auto Care for an appointment. What if earning a median income isn't a disadvantage on the path to financial independence, but instead a hidden advantage? Obviously, earning more income is generally better for accelerating a journey to financial independence. However, for those who don't start out with or currently have a higher income, there are some hidden advantages that if acted …